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Following up from my guest post from yesterday (link below), where I tore pretty hard into New Leaf, Adorama's third-party warranty, I just got a call from the New Leaf CEO, Sean Higgs. He was very apologetic for the bad experience I had, stressed that they were wrong to not just pay the claim outright from the beginning, and gave me his personal cellphone number should I have any problems with my replacement camera. We also talked about the exculpatory terms and conditions (they don't have to pay for damages brought about by "external causes of any kind"), which give them an "out" to not pay any claim, at their discretion. While he said that the policies are designed to cover drops, spills and accidents of the sort I experienced (water leaking through a backpack), he agreed that the terms could potentially be interpreted broadly to exclude those types of damage (and anything else). He promised to "review" them. It was an interesting and hopefully fruitful telephone call if by my experience, they change their policies and/or terms and conditions so that others won't have to go through what I did. http://www.sonyalpharumors.com/six-months-with-the-a7r2-to-hell-then-frozen-by-jonathan-stewart/